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  • Govt’s contribution: Now the central government will give 18.5% of your basic salary, check all details

    7th pay commission: Recently, the central government made an important announcement regarding pension for its employees. Under this, the Unified Pension Scheme (UPS) was launched as an alternative to the New Pension Scheme (NPS).

    There are many such features in this new pension scheme, which are expected to benefit the employees greatly. One such feature is the contribution from the government.

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    Government’s contribution

    Under the Integrated Pension Scheme, the employee’s contribution for pension will be 10% of the basic salary and DA. The government will contribute 18.5%. The government contributes 14% to NPS, which has been increased to 18%. In this new pension scheme, provisions have also been made for family pension, guaranteed minimum pension and lump sum payment after retirement. Please note that the employees will have the option to choose between NPS and UPS only once.

    How many employees benefit

    Let us tell you that in the new scheme, the employee will get pension equal to 50 percent of the average salary of the last year after 25 years of service. Government employees who joined the service after January 2004 are covered under this scheme. 30 lakh central employees are expected to benefit from this scheme and if the state governments implement UPS, then a total of 90 lakh employees will be able to benefit from it.

    Also Read: Old Pension Scheme: Govt has given the policemen the option to opt for the…

    How much pension after 10 years of service

    The pension will be paid proportionately for a minimum service period of 10 years. The New Pension Scheme also guarantees a minimum pension of Rs 10,000 per month on retirement after a minimum service of 10 years. Employees will be eligible for a lump sum amount in addition to gratuity at the time of retirement.

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  • GST Council: You may have to pay 18% GST on payments up to Rs 2000. See Details Here

    GST Council: The meeting of the Goods and Services Tax Council (GST Council) is scheduled to be held on September 9. In this, the proposal to impose 18 percent GST on payment aggregator companies like BillDesk and CCAvenue can be discussed.

    If this decision is taken, then they may have to pay GST even on payments of less than Rs 2000 through debit and credit cards. At present, they have been given exemption on small transactions. The GST Fitment Panel believes that these companies cannot be placed in the category of banks.

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    80% of digital payments are worth less than Rs 2,000

    A report by CNBC TV18 claims that the GST fitment panel believes that GST should be imposed on payment aggregator companies. This will prove to be a big blow to all payment aggregator companies because currently more than 80 percent of the total digital payment transactions in the country are worth less than Rs 2000. According to a government notification issued during demonetisation in 2016, payment aggregators were barred from levying tax on services provided to merchants on small transactions.

    At present, fees ranging from 0.5% to 2% are charged

    Payment aggregators currently charge 0.5% to 2% on every transaction from merchants. If GST is implemented, they can pass on the additional cost to merchants. Currently, payment aggregators do not pay GST on transactions less than Rs 2000. They provide payment facilities through many digital payment systems like QR code, POS machine and net banking. If this happens, it will have a bad impact on small businessmen. Most of their payments are less than Rs 2000. If a businessman currently has to pay a fee of Rs 10 along with 1% gateway fee on a payment of Rs 1000, then after GST, he will have to pay Rs 11.80.

    Also Read: 7th Pay Commission: Govt employees da hike issued order to increase by 9%, Salary…

    GST will be applicable only on payments made through debit and credit cards

    Currently, UPI has become the most popular method of digital payment. In the financial year 2024, UPI transactions have increased by 57 percent on an annual basis and have crossed 131 billion. UPI’s share in digital payments has exceeded 80 percent. GST is applicable only on digital transactions done through debit and credit cards. Merchant Discount Rate (MDR) is not applicable on UPI transactions, so there will be no impact on them even after GST is imposed.

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  • Metro Tourist Card: You can travel unlimited through Tourist Card. check all details

    Tourist Smart Card: Metro is a very good option for intercity travel. There is no tension of traffic in it and a lot of time is also saved. In such a situation, keeping in mind the tourists in the capital Delhi, DMRC has taken an important step. Now you can travel unlimited in Delhi Metro.

    Yes, if you travel by metro everyday, you pay by token or smart card. Every time you check out from the station, the charge will be deducted from your smart card. But today we will tell you about the tourist card of Delhi Metro.

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    This card is special for those who use the metro to travel around Delhi. Through this metro card, you can travel in the metro for the whole day on a low budget.

    Where to get a ‘Tourist Card’ made?

    You can get this tourist card (Delhi Metro Tourist Card) made from any Delhi Metro station. After getting this card made, you can travel unlimited in the metro. Whenever you check out at any metro station, you will not have to pay a separate token or amount in the card. Please note that this card comes with a validity of one day or three days.

    How much does a ‘tourist card’ cost?

    You get two options of validity in the Tourist Smart Card. If you get a card with one day validity, then you will have to pay Rs 150. At the same time, you will have to pay Rs 500 for a card with three days validity. In this, Rs 50 is taken for refundable security deposit.

    Let us tell you that through this card you can travel in all the metro lines except the Airport Express Line.

    DMRC App will help

    To know more information related to the tourist card, you can take the help of the official app of ‘Delhi Metro Rail’ (DMRC App). By going to the tour guide option in the DMRC App, you can easily see the list of metro stations near the tourist destinations in Delhi.

    For example, if you want to go to Red Fort, then through this app you can know which metro station is near Red Fort.

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  • Dyson has a festive surprise; new products in beauty, audio, home in offing [details]

    Dyson has a festive surprise

    Dyson has a festive surprise

    Dyson has unveiled four new products across its Beauty, Audio, and Home categories in India ahead of the festive season. The new lineup will be released in phases and includes two advanced hair styling tools, Dyson’s first audio-only product, and a dedicated wet floor cleaner. These products feature Dyson’s high-performance technologies designed to cater to consumers’ needs.

    Among the new launches, Dyson has introduced two hair care products: the Dyson Airwrap Multi-Styler and Dryer, and the Dyson Supersonic Nural hair dryer.

    The Dyson Airwrap Multi-Styler and Dryer, priced at Rs 45,900, is Dyson’s first connected beauty product. It uses Bluetooth technology to allow users to customize their hair styling experience via the MyDyson app. The tool creates curls at the push of a button without heat damage and is available in a special Strawberry Bronze/Blush Pink edition. It includes six attachments and comes with a complimentary detangling comb in a Dyson-designed case.

    Dyson has a festive surprise

    Dyson has a festive surpriseDyson

    The Dyson Supersonic Nural hair dryer, available for Ra 41,900, is designed to enhance scalp and hair health. It features Nural sensors that automatically adjust heat and airflow near the scalp to prevent damage. The dryer also enhances shine and styling through a new Scalp Protect mode. It comes in two color palettes: Ceramic Patina and Topaz, and Vinca Blue and Topaz.

    Dyson is also set to release its first wet floor cleaner, the Dyson WashG1. The cleaner is engineered to handle both wet and dry debris and is designed for large hard floor spaces. Equipped with a 1-litre clean-water tank, it can cover up to 3,100 square feet in one cleaning session. The Dyson WashG1 will be available from October 2024.

    Additionally, Dyson will introduce the Dyson OnTrac headphones, the company’s first high-fidelity, audio-only product, in India. These headphones, which feature noise cancellation and a 55-hour battery life, are customizable with over 2,000 colour combinations.

    Dyson has a festive surprise

    Dyson has a festive surpriseIBT

    Dyson is also expanding its presence in India, opening two new Demo Stores in Pune and Lucknow, bringing the total number of stores to over 20. These stores allow customers to experience Dyson products firsthand. In addition to the stores, Dyson products are available at over 400 retail locations, including Croma, Reliance Digital, Vijay Sales, Nykaa, Tira, and Shoppers Stop.

  • IMPS Charges: What are the charges of banks for IMPS money transfer, Check charges details here

    IMPS Charges: What are the charges of banks for IMPS money transfer, Check charges details here
    IMPS Charges: What are the charges of banks for IMPS money transfer, Check charges details here

    IMPS Charges: IMPS (Immediate Payment Service) is a real-time money transfer service that is available 24/7. This service can be accessed through multiple channels including mobile, internet, branch, ATM and SMS

    IMPS Charges: IMPS (Immediate Payment Service) is a real-time money transfer service, which is available 24/7. This service can be accessed through multiple channels including mobile, internet, branch, ATM and SMS. This is a service through which funds can be transferred quickly and securely between banks in India. It is also quite economical.

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    There is also two-factor authentication when transferring money through IMPS. There is also a limit if IMPS is used for fund transfer. Customers do not need to register for mobile banking when initiating an IMPS transaction through ATM or online channel. Similarly, customers also do not need to register for withdrawing money through mobile banking or account number/IFSC.

    Let us know what are the charges of banks for IMPS money transfer

    SBI IMPS Charges:

    There is no charge for transactions from ₹1 to ₹5,00,000.

    HDFC Bank IMPS Charges:

    ₹0 – ₹1000: ₹3.50 + applicable GST
    ₹1001 – ₹100000: ₹5 + applicable GST
    Above ₹100000: ₹15 + applicable GST

    Axis Bank IMPS Charges:

    Up to ₹1000: ₹2.50 per transaction
    ₹1,000 to ₹1,00,000: ₹5 per transaction
    ₹1,00,000 to ₹5,00,000: ₹10 per transaction
    Additional taxes are applicable.

    Canara Bank IMPS Charges:

    ₹0 to ₹25,000: No charges

    ₹25,001 to ₹100,000: ₹8 + GST

    ₹100,001 to ₹500,000: ₹15 + GST

    ₹10,000 to ₹1 lakh: ₹475

    ₹1 lakh to ₹50 lakh: ₹500

    Also Read- PNB changed the service charge for 5 services, Check new charges

    Kotak Mahindra Bank IMPS Charges:

    No charge

    YES Bank IMPS Charges:

    There are no charges for transactions made through the mobile app.

    A charge of ₹5 + GST ​​is applicable for using IMPS through Net Banking.

    IMPS is a convenient and safe option that provides instant money transfer service. However, it is important to be aware of the charges and rules applicable while making the transaction.

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  • Great Pension: By investing Rs 55, you will get a pension of Rs 3000 every month. check details

    Along with the state government, the central government is also running many schemes to provide financial security to the poor people of the country .

    Similarly, the central government is also running many schemes for the farmers of the country, so that the lives of the farmers can be improved. Today we will learn about the Pradhan Mantri Kisan Mandhan Yojana being run by the central government for special farmers. Pradhan Mantri Kisan Mandhan Yojana is a pension scheme run for small and marginal farmers of the country.

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    After the age of 60, you will get a pension of Rs 3000 every month

    The benefit of Pradhan Mantri Kisan Maandhan Yojana is available to those farmers whose age is at least 18 and maximum 40 years. In this scheme, when the age of the farmer reaches 60 years, then a pension of at least Rs 3000 starts coming in his bank account every month. If a farmer associated with the scheme dies, then 50 percent of the pension is paid to his husband or wife as family pension. Keep in mind that family pension will be given only to the husband or wife of the deceased.

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    Only these two documents are necessary for PM Kisan Maandhan Yojana

    Under this scheme, farmers will have to deposit Rs 55 to Rs 200 every month. In this scheme, whatever amount the farmer deposits, the central government also deposits the same amount in his name. To get a pension of Rs 3000 every month under the scheme, an 18-year-old farmer will have to deposit Rs 55 every month, while a 40-year-old farmer will have to deposit Rs 200 every month. To avail the benefits of the scheme, the farmer must have an Aadhaar card and a bank account or PM Kisan account.

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    Previous articlePrivate sector people can arrange for a fund of Rs 1 crore on retirement, this is the way
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  • Senior citizens FD: These banks are giving great interest to senior citizens on 5 year FD, know full details

    At this time, many people are investing money in Fixed Deposit (FD). People are showing interest in it due to the fixed returns received here, away from the fluctuations of the stock market. This is the reason why investing in FD is risk-free.

    Also, banks have now started giving good interest on FD. On the other hand, banks offer higher interest on FD to senior citizens (people aged 60 years or more) than to common people. Many banks are offering up to 8.75 percent interest to senior citizens on FDs with a tenure of 5 years. However, these interest rates are for deposits up to Rs 3 crore.

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    These banks are giving good interest to senior citizens

    1. Suryoday Small Finance Bank

    This bank is offering 7.35 percent interest rate to senior citizens on FDs up to one year. At the same time, it is offering 9.10 percent interest rate on two-year FDs and 8.75 percent interest rate on 5-year FDs. If you invest one lakh rupees in it for 5 years, then you will get Rs 1,54,154 after 5 years.

    2. Unity Small Finance Bank

    This bank is also giving good returns on FDs to senior citizens. This bank is offering 8.35 percent interest rate on one year FD. At the same time, it is offering 8.40 percent interest rate on two year FD and 8.65 percent interest rate on FD of 5 years or more. If you invest one lakh rupees in 5 year FD of this bank, then after 5 years you will get Rs 1,53,402.

    3. Utkarsh Small Finance Bank

    Utkarsh Bank is also offering good interest on FD to senior citizens. This bank is giving 8.60 percent interest to senior citizens on one year FD. At the same time, it is giving 9.10 percent interest on two year FD and 8.35 percent interest rate on 5 year FD. If you invest one lakh rupees in 5 year FD of this bank, then after 5 years you will get Rs 1,51,165.

    Also Read: FD rate Change: ICICI Bank’s new rates have come into effect from today, 2…

    4. AU Small Finance Bank

    AU Small Finance Bank is also giving good returns on FD to senior citizens. This bank is offering 8.25 percent interest rate on one year FD. If we talk about two year FD, then it is offering 7.75 percent interest rate on it. However, this bank is also offering 7.75 percent interest rate on 5 year FD. If you invest one lakh rupees in 5 year FD of this bank, then after 5 years you will get Rs 1,46,784.

    5. Ujjivan Small Finance Bank

    Ujjivan Bank is also ahead in terms of giving returns on FD to senior citizens. This bank is giving 8.75 percent interest rate on one year FD. At the same time, it is offering 8.25 percent interest rate on two year FD. Apart from this, this bank is giving 7.70 percent interest rate on 5 year FD. If you make an FD of Rs 1 lakh in this bank for 5 years, then you will get Rs 1,46,425 after 5 years.

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  • New Rules 2024: Many rules are changing from September 1, check new rules details here

    Rules Changing from 1 September 2024: Many types of rules and changes are seen on the first date of every month in the country. Many rules related to your money are going to change in the month of September.

    These include the deadline for updating free Aadhaar to investing money in special FD scheme and credit card rules. All these changes will have a direct impact on the pocket of the common man. Let us know about these changes whose deadlines you need to remember.

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    Here we know about some such big changes (New Rules From 1st August 2024) which can prove to have a direct impact on your kitchen and your pocket.

    Deadline for updating Aadhaar for free (Aadhaar Update Deadline)

    UIDAI (Unique Identification Authority of India) has extended the facility of updating all Aadhaar related details for free (Update Aadhaar Card Online for Free) by three months i.e. from June 14 to September 14, 2024. If you also want to take advantage of this free service, then update your Aadhaar online (Aadhaar Card Update online) by September 14, 2024. Otherwise you will have to pay a fee for this later.

    Please note that the facility of free Aadhaar update is available only for online update. If you go to the Aadhaar Seva Kendra and get any update done in Aadhaar, you will have to pay the applicable fee.

    Gas Cylinder Price (LPG Price)

    It is usually seen that the government changes the price of LPG on the first of every month. Changes are seen every month in the prices of commercial gas cylinders and cooking gas. In such a situation, consumers should be prepared for possible changes in the prices of LPG cylinders in September as well. In the month of August, the price of commercial LPG gas cylinders increased by Rs 8.50, while in July its price decreased by Rs 30.

    Change in rates of ATF and CNG-PNG

    The prices of aviation turbine fuel (ATF) and CNG-PNG are also expected to change from September 1, 2024. These changes may impact transportation costs, especially for air travel, and may impact goods and services due to increased logistics costs.

    Also Read: UPI Circle launched to make UPI payment easier, transactions will be done without an…

    Stop fake calls

    To curb the increasing number of fake calls and spam messages, the Telecom Regulatory Authority of India (TRAI) is introducing new rules from September 1, 2024. TRAI has issued a strict guideline for telecom companies. TRAI has asked telecom companies to shift telemarketing calls and commercial messaging starting with 140 mobile number series to blockchain based DLT i.e. Distributed Laser Technology Platform by September 30.

    Telemarketing services will gradually shift to a blockchain-based system by September 30. This will increase security and reduce unwanted calls and messages. This move is a major step against telecom fraud, which will provide consumers more protection against scams.

    New Credit Card Rule

    Credit card rules are also going to change in the month of September, especially in terms of reward points and payment schedule. HDFC Bank will impose a limit on reward points on utility transactions, which means that card holders can earn fewer reward points when paying for services like electricity or water.

    In addition, IDFC First Bank is updating its payment schedules, which may impact when and how payments are processed. It is therefore important for credit card users to keep an eye on these changes to avoid losing reward points or facing any fees.

    Increase in Dearness Allowance (DA Hike)

    Central government employees may see a 3% increase in Dearness Allowance (DA) this September. Currently, government employees are being given 50% Dearness Allowance (DA). That means from next month it may increase from 50% to 53%.

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  • Google Pay User: Google Pay introduced 6 new best features for users, check feature details

    Google Pay has announced several new features for its Indian customers. To make digital payments easier, the company has given information about these features at the Global Fintech Fest 2024.

    The company has introduced a total of 6 new features for Google Play users. If you also use Google Pay, then this information is going to prove useful for you. Let’s quickly take a look at all these new features-

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    UPI Voucher

    Prepaid UPI vouchers will be issued by UPI users, government and corporate institutions. With these vouchers, the beneficiary will have the right to make payments without linking a bank account. For this special feature, Google Pay has partnered with the National Payment Corporation of India and the Department of Financial Services.

    ClickPay QR Scan for Bill Payment

    Google Pay has announced ClickPay QR support in partnership with NPCI Bharat BillPay. Online bill payment will become easier with this new feature. UPI users can now make bill payments by scanning QR codes without filling in account details and consumer ID information.

    Prepaid Utility Payment

    Google Pay is also going to add prepaid utilities to its recurring payments category. Users will now be able to link their energy accounts for quick UPI payments. Google says that it is focusing on providing a centralized platform for users to track and manage their recurring payments.

    Also Read: Ration Card Rules: Govt issued new rules regarding ration, These people will suffer a…

    Autopay for UPI Lite

    UPI Lite Autopay facility is being introduced for Google Pay users. With this feature, UPI balance will be automatically topped up as soon as it gets low. That means UPI users will not need to add balance manually.

    Tap and Pay with Rupay Card

    In partnership with NPCI, Google Pay has introduced the facility of tap and pay with RuPay card. RuPay card holders will be able to easily use the card for fast and secure payments from their mobile phones. Google says that the user’s card details such as 16 digit card number will not be stored on Google Pay.

    UPI Circle Feature

    With the UPI Circle feature, apart from the primary UPI user, secondary users are also given rights to use the account. A UPI user cannot add more than 5 secondary users. With this feature, more than one person has the facility to use the same UPI account.

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  • Cabinet approves 12 industrial Smart Cities, will cover 10 states, know details

    Cabinet approves 12 industrial Smart Cities, will cover 10 states, know details
    Cabinet approves 12 industrial Smart Cities, will cover 10 states, know details

    The Union Cabinet has approved 12 Industrial Smart City Project. Under the project, 10 lakh people are likely to get direct employment and 30 lakh people are likely to get indirect employment. Union Minister Ashwini Vaishnaw said that the total cost of the project will be Rs 28,602 crore.

    The Union Cabinet has approved 12 Industrial Smart City Project. Under the project, 10 lakh people are likely to get direct employment and 30 lakh people are likely to get indirect employment. Union Minister Ashwini Vaishnaw said that the total cost of the project will be Rs 28,602 crore. It will have an investment potential of Rs 1.52 lakh crore. He said that these Industrial Smart Cities are being built under the National Industry Development Corridor Program (NIDCP). 10 states will be covered through this scheme. They have been strategically planned along 6 major corridors.

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    Union Minister Ashwini Vaishnav told in the press conference that the government will spend Rs 28,602 crore on these projects. The Cabinet has approved the development of 12 industrial smart cities under the National Industry Development Corridor Program. These industrial areas will be developed in Khurpiya in Uttarakhand, Rajpura-Patiala in Punjab, Dighi in Maharashtra, Palakkad in Kerala, Agra and Prayagraj in UP, Gaya in Bihar, Zaheerabad in Telangana, Orvakal and Kopparthi in Andhra Pradesh as well as Jodhpur-Pali in Rajasthan. An investment of Rs 1.5 lakh crore is expected in these industrial centers.

    Soon after the Cabinet meeting, the DG of PIB posted on X and said that India will soon have a grand garland of industrial smart cities on the spine of the Golden Quadrilateral, as the Cabinet has approved 12 world-class greenfield industrial smart cities under the National Industry Development Corridor Program. The approval of 12 new industrial smart cities under NIDCP is an important milestone in India’s journey to become a global manufacturing power.

    Also Read- UPS scheme: How many government employees will get the benefit of UPS? Details are here

    Know list of 12 cities

    • Khurpiya – Uttarakhand
    • Rajpura-Patiala – Punjab
    • Dighi – Maharashtra
    • Palakkad – Kerala
    • Agra and Prayagraj – Uttar Pradesh
    • Gaya – Bihar
    • Zaheerabad – Telangana
    • Orvakal and Kopparthi – Andhra Pradesh
    • Jodhpur and Pali – Rajasthan

    The Cabinet has also approved three infra projects of Railways.

    • Jamshedpur Purulia Asansol (Third Line – 121 km)
    • Approval of 37 km long new double line from Sardega in Sundargarh district to Bhalumuda in Raigarh district
    • Approval of 138 km long new line from Bargarh Road to Navapara (Odisha)

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